Star Valley at a glance
- Population: the Census estimates 2,545 residents, ranking 76th of 91 places in Arizona (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 2,484 residents here (US Census Bureau).
- 2020 to 2023 change: population rose about 2.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Arizona places: 76th by size among 91 communities (US Census Bureau).
- Size percentile: roughly 16% of places in Arizona rank below it by population (US Census Bureau).
- Coordinates: 34.2547 latitude, -111.2207 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Payson, AZ (6 mi); Camp Verde, AZ (42 mi); Carefree, AZ (50 mi); Cave Creek, AZ (52 mi); Sedona, AZ (53 mi) (US Census Bureau).
- Nearest smaller communities: Jerome, AZ (61 mi); Miami, AZ (63 mi); Kearny, AZ (85 mi) (Census populations).
What a personal loan costs in Star Valley
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Arizona lending rules that apply in Star Valley
The Arizona rate caps and licensing rules that reach Star Valley are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| Consumer lender loan rate caps (§ 6-632) | Consumer loans: 36% per year on principal up to $3,000; for larger loans, 36% on the first $3,000 and 24% above $3,000 Source says: "a consumer loan rate of thirty-six per cent"; "a consumer loan rate of twenty-four per cent on that part of the principal amount greater than three thousand dollars". | Arizona State Legislature — A.R.S. § 6-632 as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 10% per year default; any rate may be agreed in writing (other than medical debt) Source says: "interest shall be at the rate of ten percent a year, unless a different rate is contracted for in writing". | Arizona State Legislature — A.R.S. § 44-1201 as of 2026-09-16 |
| Payday lending status | Not permitted — payday lending authorization expired June 30, 2010; DIFI no longer licenses payday lenders; consumer loans over 36% APR illegal since July 1, 2010 Source says: "The law allowing payday loans in Arizona expired on June 30, 2010. DIFI no longer licenses payday lenders." | Arizona Department of Insurance and Financial Institutions (DIFI) as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer lender license required from the deputy director (A.R.S. Title 6, Chapter 5); at least $25,000 in assets readily available per licensed office; license not transferable Source says: "shall not engage in the business of a consumer lender without first being licensed as a consumer lender". | Arizona State Legislature — A.R.S. § 6-603 as of 2026-09-16 |
| State lending regulator | Arizona Department of Insurance and Financial Institutions (DIFI) Source says: "The Arizona Department of Insurance and Financial Institutions (DIFI)". | Arizona Department of Insurance and Financial Institutions (DIFI) as of 2026-09-16 |
How to compare offers in Star Valley
A few practical steps will make the process in Star Valley less costly:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Arizona using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.